West Virginia Car Insurance
Compare rates from 8 car insurance companies in West Virginia.
Here's what you need to know when driving in West Virginia
Across the Mountain State, there are 79,144 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.
Car Insurance Laws
State minimum insurance requirements in West Virginia
In West Virginia, the state minimum coverage requirement is liability with limits of:
- Bodily Injury Liability $20,000 per person
- Bodily Injury Liability $40,000 per accident
- Property Damage Liability $10,000 per accident
Optional coverage in West Virginia (varies by carrier):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured/Underinsured Motorist Property Damage
Liability coverage is legally required in West Virginia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In West Virginia, the minimum is listed as 20/40/10 and explained below:
$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
These numbers reflect the minimum limits required in West Virginia but higher coverage amounts are available with most companies.
Top West Virginia Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.
Car Insurance FAQs
Are digital insurance cards accepted in West Virginia?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in West Virginia you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in West Virginia?
Uninsured Drivers in West Virginia
8%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.How much does car insurance cost in West Virginia cities?
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Elkins | $1,388 |
| 2 | Bluefield | $1,378 |
| 3 | Beckley | $1,378 |
| 4 | Princeton | $1,370 |
| 5 | Oak Hill | $1,362 |
| 6 | Pea Ridge | $1,349 |
| 7 | Cross Lanes | $1,340 |
| 8 | Huntington | $1,339 |
| 9 | Nitro | $1,338 |
| 10 | Dunbar | $1,337 |
| 11 | St. Albans | $1,336 |
| 12 | South Charleston | $1,324 |
| 13 | Charleston | $1,324 |
| 14 | Teays Valley | $1,322 |
| 15 | Parkersburg | $1,316 |
| 16 | Vienna | $1,310 |
| 17 | Moundsville | $1,289 |
| 18 | Fairmont | $1,276 |
| 19 | Bridgeport | $1,274 |
| 20 | Clarksburg | $1,271 |
| 21 | Wheeling | $1,265 |
| 22 | Cheat Lake | $1,263 |
| 23 | Weirton | $1,261 |
| 24 | Morgantown | $1,255 |
| 25 | Martinsburg | $1,212 |
More questions?
Check out other FAQs and ask your own West Virginia car insurance questions here.Driving Laws
West Virginia Texting and Driving Laws
- Ban on hand-held cell phones
- Ban on all cell phones for drivers <18 years old with Learner or Intermediate Licenses
- Ban on text messaging for all drivers
Alcohol Related Fatalities
94
Per Year in West VirginiaAnnual DUI Arrests
West Virginia4,429
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.Cheap Car Insurance
It's expensive to get car insurance in West Virginia!
Dang! West Virginia is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since West Virginia might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.What's the cheapest car insurance in West Virginia?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Erie | $922 |
| 2 | The Hartford | $1,039 |
| 3 | State Auto | $1,241 |
| 4 | Westfield | $1,288 |
| 5 | USAA | $1,300 |
| 6 | Progressive | $1,509 |
| 7 | State Farm | $1,523 |
| 8 | Nationwide | $1,567 |
| 9 | Encompass | $1,604 |
| 10 | GEICO | $1,710 |
| 11 | Motorists Mutual | $1,768 |
| 12 | Safeco | $1,785 |
| 13 | Cal Casualty | $1,824 |
| 14 | Allstate | $2,276 |
| 15 | Liberty Mutual | $3,243 |
| 16 | Sentry | $3,884 |
Additional Resources:
West Virginia Car Insurance
West Virginia Tour Guide Scholarship
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the West Virginia area, while also getting an insider view of the Mountain State.